Posted by William Charles on June 16, 2017
Credit Card Offers

Published on June 16th, 2017 | by William Charles


Navy Federal Offering 20,000 Point Bonus On GO REWARDS Credit Card

The Offer

Direct link to offer

  • NFCU is offering a bonus of 20,000 points after $3,000 in spend within the first 90 days on the GO REWARDS Credit Card

Card Details

  • No annual fee
  • Card earns at the following rates:
    • 3x points at restaurants
    • 2x points on gas
    • 1x point on everything else
  • Eligibility to NFCU is for military members, associated persons and their family. See more here.

Our Verdict

Points are worth 1¢ towards travel (& I think statement credit) and there is a minimum redemption of 5,000 points. Read this post to learn everything you need to know about Navy Federal Credit Union Credit Cards. I think 15,000 points is the highest we’ve seen for this card. $200 is one of the better cash sign bonuses and 3x at restaurants is competitive. In saying that there are much better options for both gas purchases and purchases everywhere else.

Hat tip to TPG

9 Responses to Navy Federal Offering 20,000 Point Bonus On GO REWARDS Credit Card

  1. NinjaX says:

    wyndham lawsuit coming…

  2. Charles Baker says:

    I have this card. 3x points for restaurants was good, but once I got the Chase Sapphire Reserve, that became my restaurant card. The most annoying feature of Go Rewards is the $50 minimum redemption. I don’t think a statement credit is an option. I had to request that my $50 be posted to my Navy Federal savings account.

    • Sarah says:

      No, its $10.

      When you open a GO REWARDS account,† you’ll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.1

      Visa Signature Perks

      Rewards Expiration: 4 years from
      date earned
      Rewards Limit: None
      Start Redeeming: 1,000 points

      Additionally, the cashRewards card has no minimum redemption so it would be bizarre for Navy Federal to have such a high requirement on their other cards.

      • Sarah says:

        Actually, I just found and read the full rewards program at and you are right

        “GO REWARDS points may be redeemed for cash
        back on at least a per point basis (e.g., 10,000 points for $100), credited to your savings account.

        5,000 Points $50

        10,000 Points $100

        15,000 Points $150

        20,000 Points $200

        25,000 Points $250

        30,000 Points $300

        35,000 Points $350

        40,000 Points $400

        GO REWARDS points may also be redeemed
        through Pay with Points for transactions that have already posted
        to your account in the past 90 days. Pay with Points is valid for
        up to three transactions totaling a minimum of $50.
        Transaction redemptions are at a per point basis (e.g., $51.11 Sports Authority backpack for 5,111 points) and will be credited to your statement.
        No partial redemptions can be made. Cash redemptions may be
        requested by logging on to Navy Federal Online
        Banking and using the available link for redemptions.”

        I also saw nothing in there less than 3,500 points ($35) for “selection of merchandise and gift cards” so where did the 1,000 points come from?

        Very weird that their cards differ in rewards redemption ease so much.

  3. Jake says:

    if I wasn’t trying really hard to fall under 5/24 I would pick this up in a heartbeat.

  4. Sarah says:

    This is a great card for foreign travelers who aren’t huge churners. No foreign transaction fee, no AF, and 3% on restaurants is awesome.

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